Sold·Closed Sep 15, 2026·15 days on market
1107 S 10th Street
Palatka, FL 32177
About this home
Palatka
Welcome to 1107 S 10th Street in Palatka, Florida! This property offers a great opportunity to enjoy the convenience of living close to everything Palatka has to offer. Located just minutes from shopping, restaurants, schools, medical facilities, and the beautiful St. Johns River, you'll have everyday necessities and local attractions right at your fingertips. Whether you're searching for a place to call home or looking to add another property to your investment portfolio, 1107 S 10th Street is full of potential. With Palatka continuing to grow, this is a great opportunity to own property in an established area of town. Schedule your showing today and come see the possibilities for yourself!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1925)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0040061 - Palatka WWTF · Public water (record)
County records show this parcel on central sewer served by FL0040061 - Palatka WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,293 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,697/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Sep 24, 2026Closed$110,000
- Sep 5, 2026Active Under Contract$110,000
- Aug 21, 2026Listed$110,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $174/sq ft; this home is listed at $115/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1116 S 12th Street, Palatka, FL 32177Listed by IHEART REALTY INC | Aug 2025 | $200,000 | $174 | 4/2 | 1,152 | 218 | 0.1 |
| 1101 15th Street, Palatka, FL 32177Listed by DUCK REALTY INC | May 2025 | $120,000 | $96 | 3/1.5 | 1,245 | 105 | 0.3 |
| 1317 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INC | Jul 2026 | $55,000 | $53 | 3/1 | 1,045 | 17 | 0.6 |
| 1319 Carr Street, Palatka, FL 32177Listed by DUCK REALTY INC | Jun 2026 | $80,000 | $71 | 4/2 | 1,121 | 3 | 0.6 |
| 2027 Kate Street, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $208,500 | $200 | 3/2 | 1,045 | 67 | 0.7 |
| 2108 Kirby Street, Palatka, FL 32177Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $169,900 | $194 | 2/1 | 876 | 174 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
More homes in Palatka
For Sale435 W River RoadPalatka, FL 32177
2 bd · 1 ba · 2,213 sq ft
$179,900Est. $958/moRare WATERFRONT Commercial Opportunity! This unique property offers dual Commercial & Residential zoning w/ 70ft+…
Listing Office: public services realty
For Sale705 Olive StreetPalatka, FL 32177
2 bd · 1 ba · 606 sq ft
$35,000Est. $186/moBack on the market - Bring your vision to one of Palatka's most charming settings. This home sits on a brick-paved…
Listing Office: public services realty
For Sale1511 Bronson StreetPalatka, FL 32177
3 bd · 1 ba · 860 sq ft
$27,500Est. $146/moGREAT INVESTOR OPPORTUNITY!! 3/1 FULL REHAB, BUY AND HOLD OR FLIP! BUYER TO PAY ALL CLOSING COSTS!
Listing Office: parallel realty llc
For Sale1408 Carr StreetPalatka, FL 32177
3 bd · 2 ba · 1,155 sq ft
$209,888Est. $1,117/moDiscover Your Dream Home in the The Collection at Palatka Community! The exceptional Briscoe Plan is a stylish…
Listing Office: wjh brokerage fl llc
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines